Mr. Winston Conrad B. Padojinog
Business Development Adviser
| Bachelor of Arts in Economics and Management |
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| University of the Philippines, Visayas |
| Doctor in Business Administration |
| De La Salle University, Philippines |
| Master of Science in Industrial Economics |
| University of Asia and the Pacific, Philippines |
| “Credit Card Network Willingness to Use and Acceptance Analysis: A Transactions Cost and Cream Skimming Approach” Co-authored with Dacanay, Jovi C., James C. Caswang |
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| Staff Memos 2013 and 2014 |